No Credit Check Loans | Bad Credit Loans Up To $5,000 | Apply Now!

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Cash in your bank within 60 seconds

88% of our customers have their funds within 60 seconds of signing their contract.*

Tell me more!

*Only available for NPP enabled bank accounts

Fast Personal Loans

  • Smart and quick application form, which can be completed in minutes
  • 70% of applicants receive an outcome instantly
  • For applications that do not receive instant outcome, most receive a final outcome within 60 minutes!*
*During normal business hours.

Are You On The Hunt For No Credit Check Loans From A Reliable Lender? Apply With Nifty Instead!

When an emergency hits – like an unexpected medical procedure or a car repair – it could mess up your entire monthly budget. That’s when you can apply with Nifty Loans. We can accept clients with less-than-perfect credit, and who receive Centrelink. We are dedicated to giving every Aussie a fair go at quick and easy loans. If you are searching for a no credit check loan because you might have bad credit or think you have no credit, then Nifty is the right place for you.

no credit check loans

What Are No Credit Check Loans?

If you’re looking for bad credit loans, you may have stumbled across no credit check loans. At Nifty Loans, we need to be clear that we do conduct credit checks, however, don’t let that deter you from applying with us if you have bad credit. Our team can look at more than just your credit score. We also look at your current relationship with money.

At Nifty, we don’t offer no credit check loans but we do give you a fair go even when you have a bad credit score. While some lenders may show you the door right away if you have not-so-perfect credit, we’ll never do that. We understand that bad credit isn’t the whole picture which is why we don’t just consider your credit score when assessing your loan application. In fact, we consider several factors including your current relationship with money. This means you may qualify for a loan from Nifty even with bad credit. Nifty could even provide you with a travel loan, IVF loan, medical loan or a relocation loan today! You could even spruce up your home with a renovation loan from Nifty!

What are Cash Loans No Credit Check?

No credit check loans are simply personal loans that don’t require a credit check. While we do conduct credit checks, that doesn’t mean we don’t accept clients with bad credit. We do. How you may ask? Well, we simply look at more than just your credit score. We also look at your current financial situation to see if you can afford to repay your loan. It’s that easy. No fancy tricks – just a fresh take on bad credit.

What is bad Credit?

A bad mark on a consumer’s credit rating can sneak up on them and leave them feeling helpless without any ability to borrow cash. Too often banks will turn them away over bad credit while traditional lenders are quick to slam the door on them. But do you know what sort of negative information can be listed on your credit file? Here is some examples

Credit DefaultsToo Many Credit Inquiries
Late Payment InformationBankruptcy
Court Default Judgements Serious Credit Infringements

Are Easy Loans No Credit Check possible?

If you have bad credit, you may think that your only option is small loans no credit check. But, this could prove to be costly as well. There are many disadvantages to actual no credit check loans including higher fees, hefty interest rate, or a need to provide heavy collateral. A better option for you might be to apply for a loan from Nifty. We don’t offer no credit check loans, but we do consider applicants with a bad credit score by looking at your current financial circumstances rather than simply your credit score.

We believe in giving every Aussie in search of quick cash a fair go. We don’t think that your past should necessarily hurt your future. Although we check your credit score, we consider several other factors too like your current relationship with money. That’s why you may just get approved for a loan from Nifty even with less-than-perfect credit.

Emergency Cash Loans No Credit Check

When you’re faced with an emergency like home repairs, car repairs or a medical procedure, you may need to borrow some cash fast. However, if your credit is messed up, you’ll struggle to get an emergency loan from traditional lenders and online lenders. Thinking you don’t have any other option, you may turn to emergency loans no credit check or fast loans no credit check. It’s true that some lenders will give you instant cash without checking your credit score. However, quick loans no credit check aren’t the best option for many Aussies as they come with higher interest rates and fees.

Feel like you’re stuck between a rock and a hard place?

A better option for you may be to apply for a loan from Nifty. We don’t offer online loans no credit check, but we do give a fair go to all borrowers regardless of their credit score. For us, credit score is not be all and end all. In fact, your credit score is just one of the factors we consider when assessing a loan application. You might just qualify for a loan from us with a bad credit score, so don’t wait, apply today.

Short Term Loans No Credit Check

There’s no telling when you might need quick access to funds, and with bad credit, getting a short term loan can be a daunting task. If you have bad credit and need some cash fast, you might search for short term loans no credit check. Although these loans appear attractive, they are more costly than other loans where lenders check credit score. Therefore, apply with Nifty Loans for short term bad credit loans, without the high fees. Nifty could even provide loans for unemployed people.

Online Loans For Bad Credit

At Nifty, we understand that bad credit may be caused by events you experienced in the past. Life throws up difficulties your way and those difficulties can mess up your credit score. Bad credit shouldn’t solely stop you from getting a loan when you need it. That’s why at Nifty we offer bad credit loans. You can’t get bad credit loan no credit check from us, but you may qualify even with a bad credit score. So, apply today and see if qualify. Don’t go after no credit check loans when Nifty’s got your back with bad credit loans.

Are You Eligible?

As responsible lenders, we have specific eligibility criteria that you must meet for our loans. You are eligible if:

  • You’re at least 18 years old
  • You are an Australian Citizen or Permanent Resident
  • You have been receiving a regular income into a personal bank account for at least the last 3 months
  • You have an active mobile number and email address

Do you meet our eligibility criteria? That’s great! Now, don’t hesitate to apply for a loan from Nifty.

How Our Bad Credit Loans Work

Our online application can be completed within a matter of minutes and you may get an outcome within 60 minutes (during normal business hours). So, you don’t have to fill out mountains of paperwork to apply for a bad credit loan with Nifty and wait days before you get an outcome. Just follow the simple steps shown below to apply:

Step 1:

Click here and use our loan calculator to select the amount you need to borrow and the time you need to pay it back. Done? Now click the ‘apply now’ button and complete the application. Don’t worry it only takes minutes to complete.

Step 2:

Once you have completed the application, our experts will review it to determine if you are eligible for the bad credit loan. You may get an outcome within 60 minutes (during normal business hours)

Step 3:

If you are approved, we will transfer the funds the same day (if we receive your signed contract back during normal business hours). Once funds have been released, they are subject to interbank processing times. At the latest, you’ll have the cash with you overnight.

Why Nifty for a Bad Credit Loan?

Nifty can prevent you from wasting your valuable dollars on higher interest and fees of no credit check loans. But, that’s not it. You get a lot more when you apply for a bad credit loan from us.

Transparency

All our loan products are transparent. There are no hidden fees associated with any of our loans. You can rest assured that you’ll be paying exactly what you’ve been told. Just read over your contract for all the details of our costs. And if you have any questions, please send our team an email at info@niftypersonalloans.com.au.

Simple Application

You don’t have to fill lengthy applications to apply for a bad credit loan with Nifty. Our super simple application requires just a few details and you may be able to complete it within a few minutes.

Fast Approval

While you may have to wait days to get approved from other lenders, Nifty is different. We understand the value of your time. That’s why we may let you know the outcome of your application within 60 minutes (during normal business hours).

Quick Funds

We don’t just process applications fast. We are also quick to transfer your funds immediately after we receive your signed contract. Of course, delivery times all depend on interbank transfer times. The funds may be transferred to your account the same provided you are approved during normal business hours. Latest, you’ll have the cash in your account overnight.

Simple Repayment

Our application and approval process are a breeze but our process for loan repayment is even easier. You’ll be set with a direct debit that’ll automatically come out of your account, this is generally set up in line with your payday. This way you won’t have to worry about repayments, you just need to ensure the funds are available in the account on your repayment day. When you repay your bad credit loan, the payments stop. It’s that simple.

Apply for a Loan From Nifty

When it seems like banks and other lenders have closed their doors to you just because you have bad credit, turn to Nifty. We won’t examine your credit under a microscope and deny you if you have bad credit. You may not have been responsible with money in the past or may have experienced issues that messed up your credit. But, your past doesn’t matter much to us. What matters the most is what your current situation is. So, you may qualify for a loan with us even with poor credit if your current relationship with money is okay.

When you can get a loan from Nifty with bad credit, why go for no credit check loans where you have to pay higher interest and fees? It doesn’t make any sense, right? So, apply for a bad credit loan from Nifty today to see if you qualify.

Just scroll up to begin your application with Nifty.

Are You On The Hunt For No Credit Check Loans From A Reliable Lender? Apply With Nifty Instead! Overall rating: ★★★★★ 4.6 based on 232 reviews
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Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts: $300 - $2,000
Terms: 6 - 9 months
Establishment fee: 20%
Monthly Fee: 4%
APR: N / A *
Comparison Rate: 138.37%**
View Example

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts: $2,001 - $4,600
Terms: 9 - 24 months
Establishment fee: $400
Monthly Fee: $0
APR: 47.8%
Comparison Rate: 65.86%**
View Example

Medium Loan Example

Loan amount: $2,500
Terms: 24 Months,
(104 weekly repayments)
Establishment fee: $400
Total other fees: $1,609.44 (reducing interest)
Total payable: $4,509.44
Weekly installments: $43.36
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan Example

Loan amounts: $5,000
Terms: 18 months,
(78 weekly repayments)
Establishment fee and Total Interest: $1,897.54
Total payable: $6,897.54
Weekly installments: $88.43
View Loan Details
* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.

Loan Costs

Small Loans

Small Loans

$300 - $2,000

Loan amounts: $300 - $2,000
Terms: 6 - 9 months
Establishment fee: 20%
Monthly Fee: 4%
APR: N / A *
Comparison Rate: 138.37%**
View Example

Small Loan Example

Loan amount: $1,000
Terms: 6 Months,
(24 weekly repayments)
Establishment fee: $200
Total other fees: $240
Total payable: $1,440
Weekly installments: $60.00
View Loan Details
Medium Loans

Medium Loans

$2,001 - $4,600

Loan amounts: $2,001 - $4,600
Terms: 9 - 24 months
Establishment fee: $400
Monthly Fee: $0
APR: 47.8%
Comparison Rate: 65.86%**
View Example

Medium Loan Example

Loan amount: $2,500
Terms: 24 Months,
(104 weekly repayments)
Establishment fee: $400
Total other fees: $1,609.44 (reducing interest)
Total payable: $4,509.44
Weekly installments: $43.36
View Loan Details
Large Loans

Large Loans

$5,000

Loan amount: $5,000
Terms: 9 - 24 months
Establishment fee: Variable
Monthly Fee: $0
APR: 21.24%
Comparison Rate: 48%**
View Example

Large Loan Example

Loan amounts: $5,000
Terms: 18 months,
(78 weekly repayments)
Establishment fee and Total Interest: $1,897.54
Total payable: $6,897.54
Weekly installments: $88.43

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.